Coverage at a glance

ABSTRACT

A graphical representation is provided that displays a user&#39;s insurance coverage. Via the graphical representation, the user may request information about various aspects of the coverage and/or may request to chat or speak with a representative that specializes in a particular coverage area. The graphical representation may show how the user&#39;s insurance coverage compares to population groups and medians. A user may adjust the coverage on the graphical representation and be provided with a revised premium amount. The user may select this coverage to be implemented and the user&#39;s policy may be appropriately revised.

CROSS-REFERENCE TO RELATED APPLICATIONS

This application is related by subject matter to that disclosed in thefollowing commonly assigned applications, the entirety of which arehereby incorporated by reference herein: U.S. patent application Ser.No. 12/103,499, and U.S. patent application Ser. No. 12/103,521, eachfiled on Apr. 15, 2008 and each entitled “Coverage At A Glance.”

BACKGROUND

Much of the language and terminology common to insurance policydocumentation is necessary for legal purposes but is difficult for manypeople to understand. Many people believe an insurance policy they hadpurchased has adequate coverage or own a policy that once providedadequate coverage only to find out in time of peril that the policy'scoverage is, in fact, not adequate. This is due in part to the ambiguousnature of insurance policy coverage documentation which leaves peopleunaware of their risk potential, and unsure about the boundaries oftheir insurance policies.

SUMMARY

A graphical representation is provided that displays a user's insurancecoverage. Via the graphical representation, the user may requestinformation about various aspects of the coverage and/or may request tochat or speak with a representative that specializes in a particularcoverage area.

In an implementation, the graphical representation may show how theuser's insurance coverage compares to population groups and medians. Theuser or an institution system may select the groups and/or medians thatthe user's insurance coverage is to be compared against.

In an implementation, a user may adjust the coverage on the graphicalrepresentation and be provided with a revised premium amount. The usermay select this coverage to be implemented and the user's policy may beappropriately revised.

This summary is provided to introduce a selection of concepts in asimplified form that are further described below in the detaileddescription. This summary is not intended to identify key features oressential features of the claimed subject matter, nor is it intended tobe used to limit the scope of the claimed subject matter.

BRIEF DESCRIPTION OF THE DRAWINGS

The foregoing summary, as well as the following detailed description ofillustrative embodiments, is better understood when read in conjunctionwith the appended drawings. For the purpose of illustrating theembodiments, there are shown in the drawings example constructions ofthe embodiments; however, the embodiments are not limited to thespecific methods and instrumentalities disclosed. In the drawings:

FIG. 1 is a block diagram of an implementation of a system that may beused to provide insurance policy coverage information;

FIG. 2 is an operational flow of an implementation of a method that maybe used to provide insurance policy coverage information;

FIG. 3 is an implementation of an example screen shot of a graphicalrepresentation of insurance policy coverage information that may beprovided to a user;

FIG. 4 is an operational flow of another implementation of a method thatmay be used to provide insurance policy coverage information;

FIG. 5 is an operational flow of another implementation of a method thatmay be used to provide insurance policy coverage information; and

FIG. 6 is a block diagram of an example computing environment in whichexample embodiments and aspects may be implemented.

DETAILED DESCRIPTION

FIG. 1 is a block diagram of an implementation of a system that may beused to provide insurance policy coverage information. An institutionsystem 5, associated with or otherwise maintained by an institution suchas an insurance company or financial services institution, may include acoverage processor 20 that may process an insurance information request60 from a user computing device 92, 95 associated with a user 90. Thecoverage processor 20 may retrieve information from storage, such asinformation storage 22 and user storage 24, and use the information inprocessing the insurance information request 60.

A coverage generator 25 may generate coverage information pertaining tothe user and population groups and/or medians, described further herein.The coverage generator 25 may receive information from the coverageprocessor 20 as well as from information storage 22 and user storage 24,for example. The coverage generator 25 may generate a graphicalrepresentation, or information for the graphical representation, ofcoverage information 63 that is provided to a user computing device 92,95. As described further herein, a graphical representation of a user'sinsurance policy coverage may be provided to a user. In animplementation, the provided graphical representation may illustrate theupper and lower coverage boundary's limits, the per-user limit (ifapplicable), the per-accident coverage limit (if applicable), therecommended coverage level for the user based on relevant userinformation, and the user's current coverage limit, for example.

Information storage 22 may contain information pertaining to users whohave insurance policies or other types of products or accounts hosted bythe institution system, data related to the policies, products andaccounts, and population and demographic data pertaining to the users,for example. Information storage 22 may include data that may be used inthe generation of the graphical representation of coverage information63. User storage 24 may contain information directed to users, such asname, address, marital status, account information, etc., for example.

The graphical representation of coverage information may be provided viaa website 10 to a user computing device 92, 95 associated with a user90. For purposes of clarity and simplicity, an applicant for aninsurance policy or a current holder of an insurance policy may bereferred to herein as a “user.” Thus, any reference to a user hereinalso includes any type of applicant, institution member or prospectivemember, or the like.

In an implementation, instead of hosting the website 10, the institutionsystem 5 may comprise a conventional application server hosting aproprietary online service accessible only by a private network. In anyevent, the institution system 5 may have appropriate security mechanismsin place to prevent unauthorized third parties from intercepting theuser's information.

The user 90 may provide data to the institution system 5 via a usercomputing device 92, 95. The user computing device may be a handheldcomputing device such as a personal digital assistant (PDA) or a mobilephone, for example, or any type of personal computer (PC). The usercomputing device and the institution system 5 may be connected over anetwork 88. It is contemplated that the network 88 may be any type ofprivate or public communication network such as, for example, anintranet, Internet, local area network (LAN), wide area network (WAN),wireless fidelity (WiFi) network, cellular connection, plain oldtelephone service (POTS), and the like. An example user computing deviceis described with respect to FIG. 6.

As described further herein, one of the service representatives 50, 52associated with the institution system 5 may confer with a user 90 aboutcoverage information. Such a conference may be via a chat session or atelephone, for example. Each service representative may be specializedto a particular coverage area so the user may speak with a specialistregarding any questions the user has regarding coverage information.Although only two service representatives 50, 52 are shown in FIG. 1, itis contemplated that any number of service representatives may beassociated with the institution system 5.

In an implementation, a user interface module 15 may receive contentfrom the coverage generator 25 and format one or more pages of content11 as a unified graphical presentation that may be provided to a usercomputing device 92, 95. The page(s) of content 11 may be directed to agraphical representation of coverage information and may be provided toa user computing device 92, 95 via the website 10 associated with theinstitution system 5. It will be appreciated that, in an embodiment, aservice representative 50, 52 of the institution may access the userinterface module 15, or the underlying graphical representation ofcoverage information, to assist the user 90 with any questions the usermay have.

When the user 90 accesses the website 10, using a web browser on a usercomputing device 92, 95, they may be presented with informationpertaining to an insurance policy that they are considering purchasingor an insurance policy that they already have purchased, via the page(s)of content 11. The information may be in a graphical representationform, further described with respect to FIG. 3, for example. The user 90may enter information into the graphical representation via a webbrowser on a user computing device 92, 95.

The content may be personalized to the user 90, using informationretrieved from the user storage 24, for example. Personalization mayinclude presentation of the page(s) of content 11 and/or functionalityof the page(s) of content 11. For example, a graphical representationdisplayed on the page(s) of content 11 may be pre-filled with someinformation pertaining to the user, such as name, address, policynumber, etc. In an implementation, personalization may be directed to anautomobile insurance policy, and may provide specific information on theuser's automobiles or aspects of the user's coverage. Personalization isnot limited to automobile insurance policies and may be directed to anytype of data, information, product, service, advertisement, etc.

As described further herein, in an implementation, the user 90 maymodify their insurance policy online via the graphical representation.The user may be provided with one or more documents online, via thewebsite 10 or via email for example, that they can electronically sign.Any known electronic signature technique may be may used. The user 90may electronically sign the one or more documents and provide themelectronically to the institution system 5, via email or the website 10for example.

The institution system 5 may comprise one or more computing devices 6. Auser computing device 92, 95 may allow the user 90 to interact with thecomputing device(s) 6. The computing device(s) 6 may have one or moreprocessors 7, storage 8 (e.g., storage devices, memory, etc.), andsoftware modules 9. The computing device(s) 6, including itsprocessor(s) 7, storage 8, and software modules 9, may be used in theperformance of the techniques and operations described herein.Information associated with the user, groups of users, and/or insurancepolicies, may be stored in storage 8 or other storage, for example.

Example software modules may include modules for sending and receivinginformation between the institution system 5 and the user 90, requestingand retrieving information from storage 8, information storage 22, anduser storage 24, processing insurance information requests, andgenerating graphical representations of coverage information, describedfurther herein. While specific functionality is described herein asoccurring with respect to specific modules, the functionality maylikewise be performed by more, fewer, or other modules. Thefunctionality may be distributed among more than one module. An examplecomputing device and its components are described in more detail withrespect to FIG. 6.

FIG. 2 is an operational flow of an implementation of a method 200 thatmay be used to provide insurance policy coverage information. A user maybe provided with a graphical representation of their insurance coveragealong with how it compares to median coverage variables.

At operation 205, a user may log into a website associated with theinstitution system, may be identified and authenticated using any knowntechniques, and may request insurance information. At operation 210,information pertaining to the user and the user's policy and coverageinformation may be retrieved from storage. At operation 220, mediancoverage information pertaining to the type of policy that the user hasmay be retrieved and/or generated based on information that may beretrieved from storage. The median coverage information comprisesinformation that is directed to the median coverage that policy holdersof the institution have. This information may be previously determinedand stored in storage or may be computed or otherwise generated on thefly, in real-time, when requested. In an implementation, the user maynot currently have a policy and as such, user's policy and coverageinformation may not be retrieved, but median coverage may still beretrieved and/or generated for display on the graphical representation.

At operation 230, a graphical representation of coverage information maybe generated based on the retrieved information. The graphicalrepresentation is provided to the user via a computing device. Anexample graphical representation is described with respect to FIG. 3.

At operation 240, the graphical representation may be provided to theuser. The user may view the graphical representation. The user mayrequest or select information related to an aspect of the graphicalrepresentation, such as information directed to one of the coverageareas or information directed to a premium, at operation 250. The usermay make a selection by selecting a link displayed on the graphicalrepresentation, highlighting an area of the graphical representation,and/or clicking on an area of the graphical representation, for example.The information that the user may select may then be provided to theuser via a website, email, and/or a representative of the institution,for example, at operation 260.

Obtaining information may include retrieving linked documents,activating a ‘QuickTime’, ‘Windows Media’ or other video document,instancing an “instant message” or “chat” interface with arepresentative, or instancing a live person-to-person videoteleconference, for example. Additionally, the user may access exemplarypolicy representations based on text descriptions of example userscenarios. The information may comprise text documents or files, videodocuments or files, or any other form of information presentation.

In an implementation, the user may select to communicate with arepresentative via a chat session using the user computing device forexample, or via a telephone conference. For example, in animplementation, a user may initiate a consultation with a representativeregarding a policy element by clicking on an element of the graphicalrepresentation about which information is desired. Multiplerepresentatives may be available to communicate with the user, whereeach representative is a specialist in a different area of the policy.In this manner, a user may directly be put into communication with aspecialist in a particular area of interest to the user.

FIG. 3 is an implementation of an example screen shot 300 of a graphicalrepresentation of insurance policy coverage information that may beprovided to a user. The example shown in FIG. 3 is based on anautomobile insurance policy, but it is contemplated that any type ofinsurance policy may be represented in a like manner.

Each coverage element 305 of the policy (e.g., bodily injury, propertydamage, towing and labor, etc.) has available coverage amounts 315 indrop down menus, for example, that may be selected by a user. Othercoverage elements than those shown in FIG. 3 may be provided, such asmedical expenses, loss of income, essential services, medical payments,rental reimbursement, towing and labor, etc., for example.

In an implementation, the user may also enter coverage amounts directlyand not rely on drop down menus. Also provided are INFO and REPselection buttons 310 that a user may select to get more information onthe related coverage element or to contact a specialized representativefor that coverage element area. Although only one set of INFO/REPselection buttons are shown, it is contemplated that each coverageelement may have its own set of INFO/REP selection buttons that whenselected provide information or contact a representative directed tothat particular coverage element area. In an implementation, thegraphical representation may be provided, in whole or in part, to arepresentative who may be assisting the user.

A dynamic bar chart is also provided in the graphical representation.The bar chart graphically provides information for each of the coverageelements. Information may include items such as coverage amount 320,median 325, recommended amount 330, and limit 335. Dollar amountspertaining to the display, for example, may be provided along an axis ofthe chart, and may be displayed linearly, exponentially, or in anysuitable manner.

Coverage amount 320 indicates the amount of coverage the user has intheir current policy, or if the user has adjust the coverage amount, asdescribed with respect to FIG. 4 for example, coverage amount 320indicates that adjusted coverage amount. Median 325 may refer to themedian amount of coverage provided to all users who have a policy withthe institution system. Median 325 may also refer to the median amountof coverage that a selected population group has, as described withrespect to FIG. 5, for example.

In an implementation, the institution system may determine a recommendedamount of coverage 330 that a user should have in one or more coverageareas. Such recommended amounts may be indicated on the graphicalrepresentation. The institution system may use various data andcalculators for example to determine recommended amounts. Recommendedamounts of coverage may be based on data that the institution system hason the user and other users.

A coverage limit 335 for the coverage areas may also be displayed on thegraphical representation. In this manner, the user may see where theiramount of coverage stands relative to the maximum amount of coverageavailable.

Premium information 340 may also be provided for each of the coverageelements 305. As the user changes the coverage amount 320 for a coverageelement 305 using the associated amount selector 315, the associatedpremium amount 340 may also change. A user may modify a coverage amountor a deducible, for example, and the premium is automatically updated bythe system. In this manner, a user may see how their premium will changeas they consider different coverage amounts and/or deductibles forvarious coverage elements. Thus, the user may see in a graphical formatthe ramifications of modeled insurance policy coverage changes. A totalpremium amount comprising the sum of the coverage elements' premiums maybe provided. Alternatively, a user may tell the system how much premiumthey would like to pay, and the system can provide the user withrecommended coverage they may get for that premium amount. In animplementation, if the user likes the policy changes, they can click acommit button or other selector and put the policy changes into effect.

Additional information may be displayed, such as coverage information,amounts, and/or ranges pertaining to one or more population groups, andranges based on the median, such as a range of low and high amountsaround the median, for example. The graphical depictions may illustrateavailable coverage options, the user's current policy's coverage,minimum and maximum coverage limits, and the recommended coverage limitof the associated coverage category. Some coverage categories reflectcoverage information for each of the consumer's vehicles. Furtherimplementations may include, but are not limited to, industryrecommended coverage levels, state required coverage levels, andlien-holder coverage requirements. Although a bar chart with particularindicators is shown, it is contemplated that any type of graphicalrepresentation and any type of indicators may be used.

In an implementation, the coverage elements 305 list each of the currentpolicy line item coverage categories. The initial rendering of thegraphical representation loads the user's current coverage designationsfor each line item into the drop-down list-box amount selector 315associated with each line item category. The graphical representationallows the user to select alternative coverage options via the drop-downlist-box. Option selection may initiate a recalculation of the page todemonstrate the net effect the change would have on coverage and policypremium. It should be noted that changes to the line item coverage's arestatic changes for illustration and decision making purposes. Changes donot update the actual policy coverage designations unless the usercommits the changes via a “Keep Changes” button or an “Update My Policy”button or the like. Thus, the graphical representation allows the userto lock in changes to their policy limits. “Locking in” refers to themethod by which the institution updates its formal policy documentationto reflect the changes to the policy and to ensure a legal bindingcontract.

FIG. 4 is an operational flow of another implementation of a method 400that may be used to provide insurance policy coverage information.Operations 405 through 430 are similar to operations 205 through 240described with respect to the method 200 of FIG. 2 and are brieflydescribed here.

At operation 405, a user may log into a website associated with theinstitution system, may be identified and authenticated using any knowntechniques, and may request insurance information. At operation 410,information pertaining to the user and the user's policy and coverageinformation may be retrieved from storage. At operation 420, mediancoverage information pertaining to the type of policy that the user hasmay be retrieved and/or generated based on information that may beretrieved from storage. At operation 430, a graphical representation ofcoverage information may be generated based on the retrieved informationand provided to the user.

The user may view the graphical representation, and at operation 440,may change a coverage amount or deductible for a coverage element on thegraphical representation. At operation 450, the institution system mayreceive the change and revise the premium information for that coverageelement. The revised premium information may be displayed to the uservia the graphical representation. At operation 460, a user may select toaccept the change to the policy, and may advise the institution system,e.g., by selecting a “Keep Changes” button or an “Update My Policy”button or the like, as described above. The change may be made to theuser's policy by the institution system and the user may be providedwith or otherwise apprised of the updated insurance policy.

Thus, the graphical representation that is provided to a user allows theuser to adjust various coverages and amounts (e.g., bodily injury$300,000, medical expenses coverage included, etc.) of an insurancepolicy and then see how those adjustments will affect the premium theuser has to pay. Alternatively, a user who does not have a policy inplace may use the graphical representation to build their own policy byselecting and adjusting various coverages and amounts, seeing what thepremiums are, and then purchasing a policy having the selected coverageand amounts.

FIG. 5 is an operational flow of another implementation of a method 500that may be used to provide insurance policy coverage information. Atoperation 505, a user may log into a website associated with theinstitution system, may be identified and authenticated using any knowntechniques, and may request insurance information. At operation 510,information pertaining to the user and the user's policy and coverageinformation may be retrieved from storage.

At operation 520, coverage information for a particular population groupmay be retrieved from storage. In an implementation, the coverageinformation that is retrieved is for users in the population group whohave a policy with the institution system that is the same type ofpolicy as the user is requesting information on (e.g., automobileinsurance, homeowner's insurance, etc.). The population group may beselected by the user and may be based on one or more factors, such asincome, marital status, age, number of children, residence location,type of vehicle, age of vehicle, etc. A user may select these factorsvia a website associated with the institution system or via a graphicalrepresentation provided to the user.

Alternatively, the institution system may select a population group forcomparison. In an implementation, the institution system may accessinformation about the user (e.g., from user storage 24 in FIG. 1) andgenerate a profile of the user based on the information. The institutionsystem may then retrieve coverage information for a group of users thathave a similar profile.

At operation 530, a graphical representation of coverage information maybe generated based on the retrieved information and provided to theuser. The graphical representation may show coverage information for theuser as well as for the population group. In this manner, the user maysee how their coverage compares to the coverage of a peer group orpopulation of their choice (e.g., those with similar salaries, those wholive in the same city, etc.).

In an implementation, a graphical representation may be used to contrastand compare coverage information, including costs, available at otherinstitutions, such as at a competitor insurance company or a competitorfinancial services institution. This may provide additional informationthat may be helpful to the user.

Although examples described herein refer to automobile insurance, anytype of insurance may be used such as life, homeowners, renters, etc. Itis contemplated that multiple types of insurance may be presented to auser and the user may select a particular type of insurance for which agraphical representation may be generated and displayed.

Exemplary Computing Arrangement

FIG. 6 shows an exemplary computing environment in which exampleembodiments and aspects may be implemented. The computing systemenvironment is only one example of a suitable computing environment andis not intended to suggest any limitation as to the scope of use orfunctionality.

Numerous other general purpose or special purpose computing systemenvironments or configurations may be used. Examples of well knowncomputing systems, environments, and/or configurations that may besuitable for use include, but are not limited to, PCs, server computers,handheld or laptop devices, multiprocessor systems, microprocessor-basedsystems, network PCs, minicomputers, mainframe computers, embeddedsystems, distributed computing environments that include any of theabove systems or devices, and the like.

Computer-executable instructions, such as program modules, beingexecuted by a computer may be used. Generally, program modules includeroutines, programs, objects, components, data structures, etc. thatperform particular tasks or implement particular abstract data types.Distributed computing environments may be used where tasks are performedby remote processing devices that are linked through a communicationsnetwork or other data transmission medium. In a distributed computingenvironment, program modules and other data may be located in both localand remote computer storage media including memory storage devices.

With reference to FIG. 6, an exemplary system for implementing aspectsdescribed herein includes a computing device, such as computing device100. In its most basic configuration, computing device 100 typicallyincludes at least one processing unit 102 and system memory 104.Depending on the exact configuration and type of computing device,system memory 104 may be volatile (such as random access memory (RAM)),non-volatile (such as read-only memory (ROM), flash memory, etc.), orsome combination of the two. This most basic configuration isillustrated in FIG. 6 by dashed line 106.

Computing device 100 may have additional features and/or functionality.For example, computing device 100 may include additional storage(removable and/or non-removable) including, but not limited to, magneticor optical disks or tape. Such additional storage is illustrated in FIG.6 by removable storage 108 and non-removable storage 110.

Computing device 100 typically includes a variety of computer-readablemedia. Computer-readable media can be any available media that can beaccessed by computing device 100 and includes both volatile andnon-volatile media, and removable and non-removable media. By way ofexample, and not limitation, computer-readable media may comprisecomputer storage media and communication media.

Computer storage media include volatile and non-volatile, and removableand non-removable media implemented in any method or technology forstorage of information such as computer-readable instructions, datastructures, program modules or other data. System memory 104, removablestorage 108, and non-removable storage 110 are all examples of computerstorage media. Computer storage media include, but are not limited to,RAM, ROM, Electrically Erasable Programmable Read-Only Memory (EEPROM),flash memory or other memory technology, CD-ROM, digital versatile disks(DVD) or other optical storage, magnetic cassettes, magnetic tape,magnetic disk storage or other magnetic storage devices, or any othermedium which can be used to store the desired information and which canbe accessed by computing device 100. Any such computer storage media maybe part of computing device 100.

Computing device 100 may also contain communication connection(s) 112that allow the computing device 100 to communicate with other devices.Communication connection(s) 112 is an example of communication media.Communication media typically embody computer-readable instructions,data structures, program modules, or other data in a modulated datasignal such as a carrier wave or other transport mechanism, and includeany information delivery media. The term “modulated data signal” means asignal that has one or more of its characteristics set or changed insuch a manner as to encode information in the signal. By way of example,and not limitation, communication media include wired media such as awired network or direct-wired connection, and wireless media such asacoustic, radio frequency (RF), infrared, and other wireless media. Theterm computer-readable media as used herein includes both storage mediaand communication media.

Computing device 100 may also have input device(s) 114 such as akeyboard, mouse, pen, voice input device, touch input device, etc.Output device(s) 116 such as a display, speakers, printer, etc. may alsobe included. All these devices are well known in the art and need not bediscussed at length here.

Computing device 100 may be one of a plurality of computing devices 100inter-connected by a network. As may be appreciated, the network may beany appropriate network, each computing device 100 may be connectedthereto by way of communication connection(s) 112 in any appropriatemanner, and each computing device 100 may communicate with one or moreof the other computing devices 100 in the network in any appropriatemanner. For example, the network may be a wired or wireless networkwithin an organization or home or the like, and may include a direct orindirect coupling to an external network such as the Internet or thelike.

It should be understood that the various techniques described herein maybe implemented in connection with hardware or software or, whereappropriate, with a combination of both. Thus, the methods and apparatusof the presently disclosed subject matter, or certain aspects orportions thereof, may take the form of program code (i.e., instructions)embodied in tangible media, such as floppy diskettes, CD-ROMs, harddrives, or any other machine-readable storage medium wherein, when theprogram code is loaded into and executed by a machine, such as acomputer, the machine becomes an apparatus for practicing the presentlydisclosed subject matter. In the case of program code execution onprogrammable computers, the computing device generally includes aprocessor, a storage medium readable by the processor (includingvolatile and non-volatile memory and/or storage elements), at least oneinput device, and at least one output device. One or more programs mayimplement or utilize the processes described in connection with thepresently disclosed subject matter, e.g., through the use of anapplication programming interface (API), reusable controls, or the like.Such programs may be implemented in a high level procedural orobject-oriented programming language to communicate with a computersystem. However, the program(s) can be implemented in assembly ormachine language, if desired. In any case, the language may be acompiled or interpreted language and it may be combined with hardwareimplementations.

Although exemplary embodiments may refer to utilizing aspects of thepresently disclosed subject matter in the context of one or morestand-alone computer systems, the subject matter is not so limited, butrather may be implemented in connection with any computing environment,such as a network or distributed computing environment. Still further,aspects of the presently disclosed subject matter may be implemented inor across a plurality of processing chips or devices, and storage maysimilarly be effected across a plurality of devices. Such devices mightinclude personal computers, network servers, and handheld devices, forexample.

Although the subject matter has been described in language specific tostructural features and/or methodological acts, it is to be understoodthat the subject matter defined in the appended claims is notnecessarily limited to the specific features or acts described above.Rather, the specific features and acts described above are disclosed asexample forms of implementing the claims.

What is claimed is:
 1. An insurance policy coverage method, comprising:displaying to a user at a computing device, from an institution systemcomprising memory and a processor, coverage information pertaining to aninsurance policy for the user, the coverage information comprising aplurality of coverage elements, each coverage element displayed with anassociated coverage amount and an associated premium; determining amedian coverage of at least one of the coverage elements of theplurality of coverage elements, the median coverage based on a pluralityof policy holders; displaying to the user a median coverage amountindicator for the at least one of the coverage elements, the mediancoverage amount indicator representing the median coverage and displayedin proximity to the coverage amount for the at least one of the coverageelements; determining a recommended coverage of the at least one of thecoverage elements; displaying to the user a recommended coverage amountindicator for the at least one of the coverage elements, the recommendedcoverage amount indicator displayed in proximity to the coverage amountfor the at least one of the coverage elements; receiving, at theinstitution system, an adjustment to the coverage amount for one of thecoverage elements from the user; revising, via the institution system'sprocessor, the premium associated with the coverage element for whichthe adjustment was received, to generate a revised premium; andproviding from the institution system the revised premium to the userfor presentation in the graphical representation on the computingdevice.
 2. The method of claim 1, wherein the adjustment to the coverageamount comprises an adjustment to a deductible associated with the oneof the coverage elements.
 3. The method of claim 1, wherein receivingthe adjustment comprises receiving the adjustment via the graphicalrepresentation.
 4. The method of claim 1, further comprising: receivingan additional adjustment to the coverage amount for another one of thecoverage elements from the user; revising the premium associated withthe coverage element for which the additional adjustment was received,to generate an additional revised premium; and providing the additionalrevised premium to the user on the graphical representation.
 5. Themethod of claim 1, further comprising receiving an instruction from theuser to update the insurance policy based on the revised premium.
 6. Themethod of claim 5, further comprising updating the insurance policyresponsive to receiving the instruction from the user, and providing theuser with an updated insurance policy.
 7. The method of claim 1, whereinthe recommended coverage of the at least one of the coverage elements isbased on an industry recommended coverage level.
 8. A non-transitorycomputer-readable storage medium comprising computer-readableinstructions for insurance policy coverage, which when executed by aprocessor-based device, cause the processor-based device to: display toa user coverage information pertaining to an insurance policy for theuser, the coverage information comprising a plurality of coverageelements, each coverage element displayed with an associated coverageamount and an associated premium; determine a median coverage of atleast one of the coverage elements of the plurality of coverageelements, the median coverage based on a plurality of policy holders;display to the user a median coverage amount indicator for the at leastone of the coverage elements, the median coverage amount indicatorrepresenting the median coverage and displayed in proximity to thecoverage amount for the at least one of the coverage elements; determinea recommended coverage of the at least one of the coverage elements;display to the user a recommended coverage amount indicator for the atleast one of the coverage elements, the recommended coverage amountindicator displayed in proximity to the coverage amount for the at leastone of the coverage elements; receive an adjustment to the coverageamount for one of the coverage elements from the user; revise thepremium associated with the coverage element for which the adjustmentwas received, to generate a revised premium; and provide the revisedpremium to the user for presentation in the graphical representation. 9.The non-transitory computer-readable medium of claim 8, wherein theadjustment to the coverage amount comprises an adjustment to adeductible associated with the one of the coverage elements.
 10. Thenon-transitory computer-readable medium of claim 8, wherein theinstructions that receive the adjustment comprise instructions thatreceive the adjustment via the graphical representation.
 11. Thenon-transitory computer-readable medium of claim 8, further comprisinginstructions that when executed by the processor-based device, cause theprocessor-based device to: receive an additional adjustment to thecoverage amount for another one of the coverage elements from the user;revise the premium associated with the coverage element for which theadditional adjustment was received, to generate an additional revisedpremium; and provide the additional revised premium to the user on thegraphical representation.
 12. The non-transitory computer-readablemedium of claim 8, further comprising instructions that when executed bythe processor-based device, cause the processor-based device to receivean instruction from the user to update the insurance policy based on therevised premium.
 13. The computer-readable medium of claim 8, whereinthe recommended coverage of the at least one of the coverage elements isbased on a state required coverage level.
 14. The non-transitorycomputer-readable medium of claim 12, further comprising instructionsthat when executed by the processor-based device, cause theprocessor-based device to update the insurance policy responsive toreceiving the instruction from the user, and provide the user with anupdated insurance policy.
 15. An insurance policy coverage system,comprising: a processor; and a memory having instructions, which whenexecuted by the processor, cause the processor to: display to a usercoverage information pertaining to an insurance policy for the user, thecoverage information comprising a plurality of coverage elements, eachcoverage element displayed with an associated coverage amount and anassociated premium; determine a median coverage of at least one of thecoverage elements of the plurality of coverage elements, the mediancoverage based on a plurality of policy holders; display to the user amedian coverage amount indicator for the at least one of the coverageelements, the median coverage amount indicator representing the mediancoverage and displayed in proximity to the coverage amount for the atleast one of the coverage elements; determine a recommended coverage ofthe at least one of the coverage elements; display to the user arecommended coverage amount indicator for the at least one of thecoverage elements, the recommended coverage amount indicator displayedin proximity to the coverage amount for the at least one of the coverageelements; receive an adjustment to the coverage amount for one of thecoverage elements from the user; revise the premium associated with thecoverage element for which the adjustment was received, to generate arevised premium; and provide the revised premium to the user forpresentation in the graphical representation.
 16. The system of claim15, wherein the adjustment to the coverage amount comprises anadjustment to a deductible associated with the one of the coverageelements.
 17. The system of claim 15, wherein the instructions compriseinstructions that when executed by the processor, cause the processor toreceive the adjustment comprises at least one subsystem that receivesthe adjustment via the graphical representation.
 18. The system of claim15, further comprising instructions, which when executed by theprocessor, cause the processor to: receive an additional adjustment tothe coverage amount for another one of the coverage elements from theuser; revise the premium associated with the coverage element for whichthe additional adjustment was received, to generate an additionalrevised premium; and provide the additional revised premium to the useron the graphical representation.
 19. The system of claim 15, furthercomprising instructions, which when executed by the processor, cause theprocessor to receive an instruction from the user to update theinsurance policy based on the revised premium.
 20. The system of claim19, further comprising instructions, which when executed by theprocessor, cause the processor to update the insurance policy responsiveto receiving the instruction from the user, and provides the user withan updated insurance policy.
 21. The system of claim 15, wherein therecommended coverage of the at least one of the coverage elements isbased on a lien-holder coverage requirement.